Unum Group Stock Retained Earnings

UNM Stock

USD 76.16 0.73 0.97%

Unum Group fundamentals help investors to digest information that contributes to Unum's financial success or failures. It also enables traders to predict the movement of Unum Stock. The fundamental analysis module provides a way to measure Unum's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Unum stock.

	Last Reported	Projected for Next Year
Retained Earnings	11.4 B	12 B
Retained Earnings Total Equity	14.8 B	8.3 B

As of the 22nd of November 2024, Retained Earnings is likely to grow to about 12 B, while Retained Earnings Total Equity is likely to drop about 8.3 B.

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Unum Group Company Retained Earnings Analysis

Unum's Retained Earnings is a balance sheet account that refers to the portion of company income that is retained by the firm. In other words, it is a part of earnings that is not paid out as dividends or otherwise distributed to owners. Retained Earnings are calculated by adding net income to last period retained earnings and subtracting any dividends paid to owners.

Retained Earnings

Beginning RE + Income

-

Dividends

More About Retained Earnings | All Equity Analysis

Current Unum Retained Earnings

11.43 B

Most of Unum's fundamental indicators, such as Retained Earnings, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Unum Group is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

Unum Retained Earnings Driver Correlations

Understanding the fundamental principles of building solid financial models for Unum is extremely important. It helps to project a fair market value of Unum Stock properly, considering its historical fundamentals such as Retained Earnings. Since Unum's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Unum's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Unum's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Retained Earnings	Net Receivables	Total Current Assets	Net Debt	Total Liab	Short Term Investments	Common Stock	Good Will	Short Term Debt	Accounts Payable	Long Term Debt	Treasury Stock	Intangible Assets	Property Plant Equipment	Deferred Long Term Liab	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Cash And Equivalents	Net Invested Capital	Capital Stock	Current Deferred Revenue
Total Assets		0.92	0.11	0.53	0.63	0.48	0.99	-0.33	0.16	0.39	0.06	-0.08	0.26	-0.28	0.1	-0.04	0.66	0.31	0.2	0.33	0.52	0.07	0.11	0.08	0.41	0.69
Total Stockholder Equity	0.92		0.31	0.58	0.74	0.35	0.89	-0.51	-0.04	0.5	-0.1	-0.21	0.3	-0.34	0.07	-0.28	0.69	0.58	0.38	0.28	0.34	-0.06	0.15	0.34	0.27	0.52
Retained Earnings	0.11	0.31		0.75	0.53	0.47	0.12	-0.29	0.09	0.83	-0.58	-0.43	0.46	-0.87	0.11	-0.27	0.19	0.73	0.82	-0.47	-0.49	-0.51	0.31	0.6	-0.39	-0.43
Net Receivables	0.53	0.58	0.75		0.57	0.72	0.55	-0.09	0.33	0.66	-0.5	-0.24	0.59	-0.8	-0.08	-0.22	0.56	0.62	0.71	-0.25	-0.21	-0.46	0.4	0.49	-0.16	-0.03
Total Current Assets	0.63	0.74	0.53	0.57		0.3	0.64	-0.57	0.06	0.58	-0.27	-0.27	0.33	-0.52	0.24	-0.17	0.7	0.68	0.42	0.03	0.29	-0.27	0.29	0.58	0.22	0.2
Net Debt	0.48	0.35	0.47	0.72	0.3		0.54	0.12	0.78	0.51	-0.12	0.02	0.54	-0.78	0.31	0.13	0.38	0.28	0.44	-0.21	0.1	-0.15	0.1	0.19	-0.06	0.05
Total Liab	0.99	0.89	0.12	0.55	0.64	0.54		-0.29	0.23	0.4	0.07	-0.06	0.28	-0.31	0.12	0.02	0.67	0.31	0.2	0.28	0.55	0.07	0.12	0.1	0.4	0.66
Short Term Investments	-0.33	-0.51	-0.29	-0.09	-0.57	0.12	-0.29		0.26	-0.19	-0.03	0.02	-0.37	0.1	-0.46	0.58	-0.13	-0.4	-0.26	-0.39	0.01	0.02	-0.2	-0.4	-0.25	-0.23
Common Stock	0.16	-0.04	0.09	0.33	0.06	0.78	0.23	0.26		0.07	0.06	0.33	0.35	-0.49	0.33	0.19	0.32	-0.09	-0.08	-0.05	0.3	0.04	-0.06	0.04	0.23	0.1
Good Will	0.39	0.5	0.83	0.66	0.58	0.51	0.4	-0.19	0.07		-0.52	-0.57	0.14	-0.79	0.13	-0.06	0.28	0.62	0.71	-0.43	-0.14	-0.44	0.19	0.35	-0.21	-0.13
Short Term Debt	0.06	-0.1	-0.58	-0.5	-0.27	-0.12	0.07	-0.03	0.06	-0.52		0.07	-0.1	0.42	0.05	0.21	-0.08	-0.37	-0.6	0.37	0.47	0.85	-0.34	-0.26	0.31	0.31
Accounts Payable	-0.08	-0.21	-0.43	-0.24	-0.27	0.02	-0.06	0.02	0.33	-0.57	0.07		0.32	0.25	0.3	0.15	-0.2	-0.34	-0.33	0.28	0.16	0.18	-0.07	-0.17	0.14	0.14
Long Term Debt	0.26	0.3	0.46	0.59	0.33	0.54	0.28	-0.37	0.35	0.14	-0.1	0.32		-0.55	0.29	-0.26	0.26	0.51	0.56	0.04	-0.23	-0.21	0.37	0.56	-0.26	-0.19
Treasury Stock	-0.28	-0.34	-0.87	-0.8	-0.52	-0.78	-0.31	0.1	-0.49	-0.79	0.42	0.25	-0.55		-0.23	0.04	-0.34	-0.59	-0.7	0.34	0.22	0.38	-0.25	-0.46	0.27	0.26
Intangible Assets	0.1	0.07	0.11	-0.08	0.24	0.31	0.12	-0.46	0.33	0.13	0.05	0.3	0.29	-0.23		-0.03	-0.09	0.1	0.2	0.13	0.1	-0.1	0.09	0.09	-0.01	-0.01
Property Plant Equipment	-0.04	-0.28	-0.27	-0.22	-0.17	0.13	0.02	0.58	0.19	-0.06	0.21	0.15	-0.26	0.04	-0.03		-0.2	-0.3	-0.28	-0.35	0.35	0.37	-0.07	-0.37	-0.16	-0.08
Deferred Long Term Liab	0.66	0.69	0.19	0.56	0.7	0.38	0.67	-0.13	0.32	0.28	-0.08	-0.2	0.26	-0.34	-0.09	-0.2		0.52	0.15	0.16	0.51	-0.17	0.16	0.5	0.35	0.32
Net Tangible Assets	0.31	0.58	0.73	0.62	0.68	0.28	0.31	-0.4	-0.09	0.62	-0.37	-0.34	0.51	-0.59	0.1	-0.3	0.52		0.73	-0.33	-0.13	-0.36	0.34	0.9	-0.4	-0.37
Long Term Debt Total	0.2	0.38	0.82	0.71	0.42	0.44	0.2	-0.26	-0.08	0.71	-0.6	-0.33	0.56	-0.7	0.2	-0.28	0.15	0.73		-0.34	-0.55	-0.69	0.46	0.52	-0.62	-0.43
Capital Surpluse	0.33	0.28	-0.47	-0.25	0.03	-0.21	0.28	-0.39	-0.05	-0.43	0.37	0.28	0.04	0.34	0.13	-0.35	0.16	-0.33	-0.34		0.3	0.22	-0.13	-0.34	0.57	0.7
Long Term Investments	0.52	0.34	-0.49	-0.21	0.29	0.1	0.55	0.01	0.3	-0.14	0.47	0.16	-0.23	0.22	0.1	0.35	0.51	-0.13	-0.55	0.3		0.48	-0.29	-0.1	0.65	0.62
Short Long Term Debt	0.07	-0.06	-0.51	-0.46	-0.27	-0.15	0.07	0.02	0.04	-0.44	0.85	0.18	-0.21	0.38	-0.1	0.37	-0.17	-0.36	-0.69	0.22	0.48		-0.41	-0.29	0.35	0.34
Cash And Equivalents	0.11	0.15	0.31	0.4	0.29	0.1	0.12	-0.2	-0.06	0.19	-0.34	-0.07	0.37	-0.25	0.09	-0.07	0.16	0.34	0.46	-0.13	-0.29	-0.41		0.3	-0.29	-0.22
Net Invested Capital	0.08	0.34	0.6	0.49	0.58	0.19	0.1	-0.4	0.04	0.35	-0.26	-0.17	0.56	-0.46	0.09	-0.37	0.5	0.9	0.52	-0.34	-0.1	-0.29	0.3		-0.29	-0.46
Capital Stock	0.41	0.27	-0.39	-0.16	0.22	-0.06	0.4	-0.25	0.23	-0.21	0.31	0.14	-0.26	0.27	-0.01	-0.16	0.35	-0.4	-0.62	0.57	0.65	0.35	-0.29	-0.29		0.85
Current Deferred Revenue	0.69	0.52	-0.43	-0.03	0.2	0.05	0.66	-0.23	0.1	-0.13	0.31	0.14	-0.19	0.26	-0.01	-0.08	0.32	-0.37	-0.43	0.7	0.62	0.34	-0.22	-0.46	0.85

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Unum Retained Earnings Historical Pattern

Today, most investors in Unum Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Unum's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's retained earnings growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of Unum retained earnings as a starting point in their analysis.

Unum Retained Earnings

Timeline

Retained Earnings shows how the firm utilizes its profits over time. In simple terms, investors can think of retained earnings as the amount of profit the company has reinvested in the business since its inceptions. However the methodology to make a decision over how much profit to retain is different between companies in different industries. For example, growing industries tend to retain more of their earnings than more matured industries as they need more assets investment to sustain their growth.

Competition

Predict Unum

Retained Earnings Over Time

Based on the latest financial disclosure, Unum Group has a Retained Earnings of 11.43 B. This is 25.06% lower than that of the Insurance sector and significantly higher than that of the Financials industry. The retained earnings for all United States stocks is 22.53% lower than that of the firm.

Unum Retained Earnings Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Unum's direct or indirect competition against its Retained Earnings to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Unum could also be used in its relative valuation, which is a method of valuing Unum by comparing valuation metrics of similar companies.

Unum is rated second in retained earnings category among its peers.

Unum ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Unum's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Unum's managers, analysts, and investors.

Environmental

Governance

Social

Unum Fundamentals

	Return On Equity	0.17
	Return On Asset	0.0247
	Profit Margin	0.14 %
	Operating Margin	0.27 %
	Current Valuation	16.57 B
	Shares Outstanding	182.61 M
	Shares Owned By Insiders	0.87 %
	Shares Owned By Institutions	89.83 %
	Number Of Shares Shorted	1.93 M
	Price To Earning	7.08 X
	Price To Book	1.21 X
	Price To Sales	1.08 X
	Revenue	12.39 B
	Gross Profit	3.93 B
	EBITDA	1.94 B
	Net Income	1.28 B
	Cash And Equivalents	119.2 M
	Cash Per Share	6.67 X
	Total Debt	3.43 B
	Debt To Equity	0.40 %
	Current Ratio	20.25 X
	Book Value Per Share	59.36 X
	Cash Flow From Operations	1.2 B
	Short Ratio	1.59 X
	Earnings Per Share	9.21 X
	Price To Earnings To Growth	2.50 X
	Target Price	74.91
	Number Of Employees	10.55 K
	Beta	0.75
	Market Capitalization	13.77 B
	Total Asset	63.26 B
	Retained Earnings	11.43 B
	Annual Yield	0.02 %
	Five Year Return	3.90 %
	Net Asset	63.26 B
	Last Dividend Paid	1.57

About Unum Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Unum Group's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Unum using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Unum Group based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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When determining whether Unum Group offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Unum's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Unum Group Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Unum Group Stock:

How To Invest In Unum

Details

Is Unum Stock a good investment?

Details

What is Unum's Net Worth?

Details

Largest Insurance Companies

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Largest Financials Companies

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Check out Unum Piotroski F Score and Unum Altman Z Score analysis.

You can also try the Money Flow Index module to determine momentum by analyzing Money Flow Index and other technical indicators.

Is Life & Health Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Unum. If investors know Unum will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Unum listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

2.392

Dividend Share

1.57

Earnings Share

9.21

Revenue Per Share

67.014

Quarterly Revenue Growth

0.04

The market value of Unum Group is measured differently than its book value, which is the value of Unum that is recorded on the company's balance sheet. Investors also form their own opinion of Unum's value that differs from its market value or its book value, called intrinsic value, which is Unum's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Unum's market value can be influenced by many factors that don't directly affect Unum's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Unum's value and its price as these two are different measures arrived at by different means. Investors typically determine if Unum is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Unum's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Unum Group Stock Retained Earnings

Unum Group Company Retained Earnings Analysis

Retained Earnings

Beginning RE + Income

-

Dividends

Current Unum Retained Earnings

Unum Retained Earnings Driver Correlations

Unum Retained Earnings Historical Pattern

Unum Retained Earnings Peer Comparison

Unum ESG Sustainability

Unum Fundamentals

About Unum Fundamental Analysis

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

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